generally 2 types, named peril -cheaper, covers only the things listed for by name ie fire, wind, hail etc and other is broad form, or some call all risk, covers everything except those listed exclusions (most common)generally required if loaned against by a bank. contents generally are 50% of dwelling amount unless you have replacment cost on contents, storage buildings, detached garages etc are 10% of dwelling amount. Lots of different companies, shop,compare and know that amount of deductible affects premiums, the larger deductible, cheaper the rate, HTH
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Today's Featured Article - An AC Model M Crawler - by Anthony West. Neil Atkins is a man in his late thirties, a mild and patient character who talks fondly of his farming heritage. He farms around a hundred and fifty acres of arable land, in a village called Southam, located just outside Leamington Spa in Warwickshire. The soil is a rich dark brown and is well looked after. unlike some areas in the midlands it is also fairly flat, broken only by hedgerows and the occasional valley and brook. A copse of wildbreaking silver birch and oak trees surround the top si
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